Hasanah, Evi Riadhotun, and Endah Emiarti. “Publicly Disclosed Data-Driven Decisions in SPayLater Digital Financing: A Shariah Accountability Analysis”. Journal of Indonesian Islamic Studies 6, no. 1 (September 2, 2026): 187–202. Accessed September 6, 2026. https://ejournal.iainpalopo.ac.id/index.php/jiis/article/view/12438.